2026 Medicare Advantage Plans in Bay County, MI
Last update: . Enrollment data updated: May 2, 2026
In Bay County, MI, there are 52 Medicare Advantage plans available for 2026. Of these, 32 offer a $0 monthly premium, and about 62% are rated 4 stars or higher based on CMS quality ratings.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Bay County, MI. Or explore all Medicare Options available in Bay County, MI.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 33
- Average Monthly Premium $31.39/mo
- Total PPO Enrollment 6,014
- $0 Premium PPO Plans 21
- Average MOOP $6,141
- Top PPO by Enrollment HAP Medicare Prime (PPO) — 756 enrollees
- PPO Plans Without Drug Coverage 6
What is the total number of PPO plans offered in Bay?
There are 33 PPO plans in 2026, covering 6,014 beneficiaries.
How much do PPO plans cost in Bay?
The average PPO premium in Bay is $31.39 per month, with 21 plans offering $0 premiums.
What is the most popular PPO plan in Bay?
HAP Medicare Prime (PPO) is the top PPO in Bay, with 756 enrollees.
What is the number of PPO plans without Part D coverage in Bay?
There are 6 PPO plans in Bay without prescription drug coverage.
Medicare Advantage HMO Plans
HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.
- Total HMO Plans
- 6
- Average Monthly Premium
- $1.47/mo
- Total HMO Enrollment
- 947
- $0 Premium HMO Plans
- 5
- Average MOOP
- $5,592
- Top HMO by Enrollment
- HAP Medicare Superior (HMO) — 462 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| HAP Medicare Connect | $0 | $5,000 | $150 | H2354-015-0 | |
| HAP Medicare MedicalAccess | $0 | $4,500 | N/A | H2354-019-0 | |
| HAP Medicare Superior | $0 | $5,100 | $150 | H2354-028-0 | |
| McLaren Medicare Inspire | $0 | $6,300 | $615 | H6322-001-0 | |
| McLaren Medicare Inspire Plus | $9 | $5,900 | $500 | H6322-002-0 | |
| McLaren Medicare Inspire Select | $0 | $6,750 | $615 | H6322-008-0 |
What is the average monthly premium for HMO plans?
HMO plans in Bay cost $1.47 per month on average.
Which HMO plan is most popular in Bay?
The most popular HMO plan in Bay is HAP Medicare Superior (HMO), with 462 enrollees.
How many HMO plans in Bay do not include drug coverage?
There are 1 HMO plans in Bay without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| BCN Advantage Classic | $124 | $4,400 | $0 | H5883-002-3 | |
| BCN Advantage Elements | $0 | $4,500 | N/A | H5883-001-3 | |
| BCN Advantage Prestige | $231 | $4,000 | $0 | H5883-003-3 | |
| Priority Health Medicare PriorityMedicare | $66 | $4,500 | $0 | H2320-028-5 | |
| PriorityMedicare Key | $0 | $5,800 | $200 | H2320-022-5 | |
| PriorityMedicare Smart Savings | $0 | $9,250 | $500 | H2320-032-5 | |
| PriorityMedicare Value | $43 | $5,100 | $100 | H2320-029-5 | |
| PriorityMedicare Vintage | $9 | $5,600 | $615 | H2320-031-0 | |
| HAP Senior Plus | $105 | $4,550 | $0 | H2354-021-0 | |
| Aetna Medicare Signature | $0 | $5,900 | $615 | H3192-010-0 | |
| Wellcare Assist | $9 | $5,000 | $580 | H5475-038-0 | |
| Wellcare Giveback | $0 | $7,550 | $615 | H5475-031-0 | |
| Wellcare Simple | $0 | $5,000 | $615 | H5475-026-0 |
What is the leading HMO-POS plan in Bay?
PriorityMedicare Key (HMO-POS) is the top HMO-POS in Bay, with 388 enrollees.
What is the number of HMO-POS plans without Part D coverage in Bay?
1 HMO-POS plans in Bay do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Bay County, MI for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 32 | 62% |
| 3 Stars | 20 | 38% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.9 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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